Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,379Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$14,724The complete starting cash picture.
Estimated remaining funds due at closing
$14,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,378.61
Your down payment$2,378.61
Closing costs + prepaids$12,345.86
Total buyer cash needed$14,724.47
Remaining funds due$14,724.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,260.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,012.50
Initial HOA (3 months)$330.00
Prepaid interest, first (25 days)$1,518.36
Fees + prepaids$12,345.86
Your down payment is the seller’s equity. You take over the $323,621 balance, so the rest of the $326,000 price is paid at closing. A second mortgage can cover part of it. $14,724.47 is due at closing. Uses and sources reconcile at $338,345.86 each. Not a Closing Disclosure.